Side-by-side · Q2 2026 data
Farmers and Merchants State Bank vs Citizens State Bank, of Arlington
Metric by metric
| Measure | Farmers and Merchants State Bank | Citizens State Bank, of Arlington |
|---|---|---|
| TellerScore | 73 | 82 (stronger) |
| Capital cushion | 60 | 67 (stronger) |
| Loan quality | 75 | 100 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 47 | 97 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 53rd | 82nd |
| Total assets | $180.4M | $153.2M |
| Deposits / shares | $137.3M | $134.9M |
| Capital ratio | 11.02% | 11.74% (stronger) |
| Problem loans | 0.76% | 0.00% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 2.46% (stronger) | 1.11% |
| Loans ÷ deposits | 106.5% | 54.1% (stronger) |
| Uninsured deposits | 21.4% | 17.6% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank, of Arlington has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank leads on 1 and Citizens State Bank, of Arlington on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.